Updated October 2026.
New York City is where the money lives, so it is no shock that fintech startups set up shop here too. Wall Street is down the block and the banks are the customers. Below are 16 fintech companies headquartered in the city, plus eight that used to be on this list and what happened to them. If you came here looking for startup loans in NYC and not companies to follow, start on that page instead.
16 Fintech Companies Headquartered in New York City
All 16 were operating under these names in October 2026. Neighborhoods come from each company’s own site or SEC filings where it publishes an address, and from CB Insights where it doesn’t. Funding and status figures link to their sources.
| Company | Neighborhood | What it does | Founded | Status or latest round |
|---|---|---|---|---|
| Betterment | Hudson Yards | Automated investing and retirement accounts, plus checking and cash accounts | 2008 (launched 2010) | Private. More than $70 billion under management as of May 2026 |
| Stash | Garment District | Subscription investing app with a debit card that pays rewards in stock and an AI “Money Coach” | 2015 | Acquired by Grab (Singapore). Announced February 2026 at a $425 million enterprise value, closed July 2026; keeps the Stash brand |
| Current | Lower Manhattan (Canal Street mailing address) | Mobile banking app with early paycheck access and paycheck advances up to $1,000 | 2015 | $80 million Series E, June 2026, led by Springcoast Partners, at a reported $1.5 billion valuation |
| Chainalysis | Flatiron | Blockchain analytics software that government agencies and crypto exchanges use to trace transactions | 2014 | $170 million Series F at an $8.6 billion valuation, May 2022 |
| Lili | Manhattan (publishes a PO box only) | Business checking for small businesses and freelancers with bookkeeping and tax tools built in | 2018 | $55 million Series B, 2021; about $83 million raised in total |
| Capchase | NoMad | Vendor financing: the buyer of software or hardware pays over time and the vendor is paid up front | 2020 | More than $200 million in new debt and equity, May 2026 |
| Clear Street | Financial District | Prime brokerage and clearing for institutional investors, run on its own cloud ledger | 2018 | Private. Withdrew its Nasdaq IPO on February 19, 2026 |
| NYDIG | Midtown East | Bitcoin firm whose site now describes power and data center infrastructure for AI computing and bitcoin mining | 2017 | Affiliate of Stone Ridge Holdings Group; no public round |
| January | Little Italy | Debt collection agency that uses AI to decide how and when to contact each borrower | $12 million Series B, December 2023, led by IA Ventures | |
| Attune | SoHo | Online quoting system that insurance agents use to write small-business policies such as workers’ comp and general liability | 2017 | Owned by EverPeak, the national insurer that came out of Pinnacol Assurance |
| Landis | Financial District | Buys the home you choose and rents it to you while coaching you toward a mortgage | 2018 | $165 million in debt and equity, July 2021 |
| DailyPay | Financial District | Earned wage access: employees draw pay they’ve already earned before payday for a per-transfer fee | 2015 | Credit facility raised to $960 million, February 2026 |
| Alloy | Greenwich Village | Identity verification and fraud screening for banks and fintechs when they open accounts | 2015 | $100 million Series C at a $1.35 billion valuation, September 2021 |
| Gemini | Murray Hill | Crypto exchange and custodian | 2014 | Public: Nasdaq: GEMI since September 12, 2025 |
| Lemonade | SoHo | Renters, homeowners, pet, car and term life insurance sold through an app | 2015 | Public: NYSE: LMND; about 3 million customers |
| Willow Wealth (formerly Yieldstreet) | NoMad | Sells individuals private-market investments such as real estate deals and private credit funds | Rebranded from Yieldstreet in October 2025 |
What stands out, by type
Consumer investing and banking saw the biggest change this year. Stash raised a $146 million Series H in May 2025 and nine months later agreed to sell to Grab at a $425 million enterprise value. CB Insights puts Stash’s total funding at about $678 million, so the sale came in well under the money invested. Betterment is the steady one, with more than $70 billion under management. Current raised at a reported $1.5 billion valuation in June. Willow Wealth is Yieldstreet under a new name, adopted after CNBC reported about $208 million in investor losses on its deals; I’d read any offering document there twice. Lili is the business account of the group and counts 200,000 businesses served.
The crypto names have gone in different directions. Gemini went public in September 2025, then said in February 2026 that it would cut up to about 200 jobs and wind down in the UK, the EU and Australia, according to its annual report. Chainalysis reports more than 1,500 customers, but its $8.6 billion valuation dates from May 2022, so treat that number as stale. NYDIG is known as a bitcoin company; its site now describes a business that builds power and computing capacity for AI and bitcoin mining, with a pipeline it puts at more than 3 gigawatts. I’d question whether that still counts as fintech.
In lending and credit, Capchase finances technology purchases for the vendor’s customers. DailyPay advances workers wages they’ve already earned and funds that with a $960 million credit facility. January collects debts for lenders and says 95% of its resolutions involve no human agent. Landis is the one I’d watch with caution: the newest financing in the table for it is from July 2021. If you’re a business owner shopping for a loan instead of a company to follow, compare offers against the numbers in our SBA loan versus merchant cash advance breakdown first.
Clear Street and Alloy sell to other financial firms. Clear Street booked $945 million in revenue for the 12 months ended September 30, 2025 and filed to list at $40 to $44 a share. It then cut the range to $26 to $28. The deal was postponed on February 13, 2026 and withdrawn six days later. Alloy says more than 900 banks and fintechs use its identity checks; the $1.35 billion valuation in the table dates from 2021.
Lemonade and Attune are the two insurance companies. Lemonade says its AI bot takes the first notice of loss on 96% of claims with no human involved. Attune has changed hands twice: Coalition bought it in October 2021 and sold it about 15 months later to Pinnacol Assurance, the Colorado workers’ comp carrier behind the EverPeak brand.
Eight companies that came off this list
Earlier versions of this page included eight more names. None of them is a New York-headquartered independent company today.
- Plaid is a San Francisco company; its legal page gives a San Francisco mailing address for Plaid Inc.
- OnDeck was bought by Enova International in October 2020 for about $122 million. It still makes term loans and lines of credit, and its company page lists a South Jordan, Utah address and average APRs of 53.2% on term loans and 59.8% on lines of credit, as of October 2026.
- Petal was acquired in 2024 by the lender now called Tilt, which took that name in August 2025 and launched Tilt cards as the replacement. Petal’s site now names Tilt Card, Inc. as the company behind it.
- Teampay was bought by Paystand in April 2024, and teampay.co now redirects to Paystand, which is headquartered in California.
- IFundWomen was acquired in April 2025 by Honeycomb Credit of Pittsburgh and lists a Montclair, New Jersey address.
- Status Money shut its app on November 10, 2023 and moved members to Quicken’s Simplifi.
- Koyfin has a New York office but gives a Miami mailing address in its privacy policy.
- Zip is the US business of Zip Co, an Australian-listed company (ASX: ZIP) founded there in 2013; the US arm is the former QuadPay.
Where fintech companies cluster in New York
Going by the 15 street addresses behind the table (Lili publishes only a PO box), New York fintech sits in Manhattan south of 53rd Street. Four companies are in the band from NoMad down to Greenwich Village: Capchase, Willow Wealth, Chainalysis and Alloy. Four more are around SoHo and Canal Street: Lemonade, Attune, January and Current. Clear Street, DailyPay and Landis are in the Financial District. The other four are spread across Midtown: Betterment at Hudson Yards, Stash in the Garment District, Gemini on Third Avenue in Murray Hill and NYDIG on Madison Avenue. None of the 16 is based in Brooklyn or Queens. For companies outside finance, see the New York City startup list, and for the investors who fund them, the list of NYC venture capital firms.
